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Kevin De Bock

As a financial analyst, the job is a perfect balance between taking responsibility and initiatives, on the one hand, and receiving feedback and coaching wherever necessary, on the other hand.

I have been working for two years now as a financial analyst in the Prudential Supervision of Banks department, where I analyse the financial risks for a number of smaller banks. This constitutes a huge challenge, as you must be acquainted with all kinds of financial risks, such as credit risk, operational risk, market risk, interest rate risk and liquidity risk. And you must approach them from an academic, regulatory, legal, accounting and economic point of view alike. Moreover, banks interpret these risks differently depending on their activities. The practical implementation of audits and risk management processes varies, too.

Fortunately, I receive a lot of help from more experienced colleagues and there are numerous training possibilities, also abroad. In this respect, I have so far been to courses and colleges in Rome, Paris, Bratislava, Vienna and Madrid. This international aspect will be strengthened further by the banking union.

Supervising these risks is mainly performed by using Excel analyses but the job also has its human aspect. Internally, we work in teams and meetings are organised for each bank individually to discuss the risks. Furthermore, we also have the possibility to check ideas with the financial analysts working on other files. Externally, it is likewise important to have contacts with the banks themselves for a better understanding of the processes involved.

To me, the job is a perfect balance between taking responsibility and initiatives yourself, on the one hand, and receiving feedback and coaching wherever necessary, on the other hand. In view of the number of risks, the different points of view and the various types of banks, you can learn for life.

Should I ever feel the need to change job, there is still the National Bank's internal mobility that offers you the chance to take up a new position in a different department.